Terms of Service

Finnovate BackOffice is a workspace where you request and track work from Finnovate specialists across accounting and tax, legal and compliance, marketing and branding, AI and automation, and product development. It also includes tools for your own team: projects, documents, meetings, messages and analytics.

We may improve, change or retire features. If we remove something you rely on in a way that matters, we will tell you first.

• Give accurate information and keep it up to date.
• Keep your password safe. You are responsible for what happens under your account, including what people you invite do.
• The person who creates a workspace is its first admin. Admins control who joins, team roles, billing and company settings.
• Tell us promptly at team@finnovateafrica.com if you think someone has accessed your account without permission.

Every new workspace starts with a 7-day trial that includes 100 credits and one request in progress at a time. No card is needed to start.

When the trial ends the workspace becomes read only: you can still view and download everything you did, but you cannot create or change anything until you choose a plan. Trial credits do not carry over into a paid plan.

• Plans. We offer Launch, Growth and Scale plans. The current price, monthly credits, number of requests in progress, team size and turnaround for each are shown on our pricing page and in Billing. Prices may change; a change applies from your next renewal and we will not charge you a new price without notice.
• Credits. Credits measure how much work you can request. They are not money, cannot be withdrawn or exchanged, and cannot be transferred to another company. The credit cost of a service is shown before you confirm a request. Work without a fixed price is quoted first, and no credits are used until you accept the quote.
• Monthly credits and rollover. Each paid month you receive your plan's credits. Up to half a month's allowance of what you have not used carries into the next month, so your balance never exceeds one and a half times your monthly allowance. Credits carried over once expire at the following renewal. Extra credit packs you buy do not expire while your subscription is active.
• Billing. Plans are billed monthly in advance and renew automatically using the card you paid with, through Paystack. If a renewal fails we will tell you and try again for a few days; if it still fails the workspace becomes read only until you pay.
• Upgrades and downgrades. An upgrade takes effect immediately and you pay the difference for the rest of the current month, with the extra credits for that part of the month. A downgrade takes effect at your next renewal.
• Cancelling. You can cancel any time from Billing. The plan runs to the end of the period you have paid for; after that the workspace is read only and unused credits end.
• Refunds. We do not refund unused credits or part-months. We will refund or credit you where we failed to deliver work to the agreed brief, or where we agree a commercial adjustment.
• Taxes and third-party costs. Prices do not include applicable taxes unless stated. Advertising spend, paid software licences and government or statutory fees are not included unless we say so in writing.

• Each request needs a clear brief and expected output. Delivery times are estimates expressed as a range of business days, and the clock pauses while we wait for information from you.
• Your plan includes a set number of revision rounds. A revision improves the agreed output; a new direction is a new request.
• Large or complex work, such as a full application, a full brand programme or a complex multi-year accounting clean-up, is a Special Project: it is scoped, priced and billed separately, with a discount for subscribers.
• We may limit how many requests are worked on at once according to your plan; others wait in your queue.
• Work that needs a licensed professional (for example certain legal or tax matters) will be routed to an appropriately qualified person and may be priced separately. We will tell you before we start.

You keep ownership of the documents, data and materials you upload or provide ("Your Content"). You give us permission to use Your Content only to provide the service to you, including sharing it with the Finnovate specialists working on your requests and with the providers listed in our Privacy Policy.

Once you have paid for a delivered piece of work, you own the deliverable we created for you. We keep our own tools, templates, methods and know-how, and may reuse general knowledge that does not contain your confidential information.

You confirm you have the right to upload Your Content and that it does not infringe anyone's rights or break the law.

Some features use artificial intelligence, such as insights, chat and meeting transcription. AI output can be wrong or incomplete. Check it before relying on it, and do not treat it as legal, tax or financial advice.

If you record a meeting, you are responsible for telling participants and for having any consent the law requires. Recordings are transcribed by an AI speech-to-text provider and the transcript is saved to your documents.

Do not use the service to break the law, to infringe others' rights, to send malware or spam, to try to access other companies' data, to probe or disrupt the service, or to resell it without our written agreement. We may suspend an account that does.

We keep Your Content confidential and only share it as set out in these terms and our Privacy Policy. Where we process personal data on your behalf we do so under Nigerian data protection law and as described in that policy.

We work hard to keep the service running but do not promise it will be uninterrupted or error free. We may take it offline briefly for maintenance. Support is by email, with faster response on higher plans as shown on the pricing page.

You can stop using the service at any time. We may suspend or end your access if you break these terms, if payment fails and is not put right, or if the law requires.

After your plan ends the workspace stays read only for a retention period of between 30 and 90 days so you can export your work, and is then archived or deleted as described in our Privacy Policy.

The service and our deliverables are provided with reasonable care and skill, but, to the extent the law allows, we do not give other warranties. We are not liable for indirect or consequential losses, lost profit or lost business. Our total liability to you for any claim is limited to the amount you paid us in the three months before the event that caused the claim.

Nothing in these terms limits liability that cannot be limited by law, such as for fraud.

We may update these terms. If a change is significant we will tell you in the app or by email before it applies. Using the service after the change means you accept it.

These terms are governed by the laws of the Federal Republic of Nigeria, and the courts of Nigeria have jurisdiction, unless the law gives you the right to go elsewhere.

Finnovate Africa Solutions Ltd. Email: team@finnovateafrica.com.